Casual spending bank account

AlanB1976

Hi all

Can any of you recommend a bank account that may be best for casual spending (no mortgage payments, household debits, salary payments, etc.)?
I find my main bank account gets flooded with all these small contactless payments and ebay/amazon type little purchases. This makes it a pain when I want to analyse my main account. What I would like to do is set up another account that I basically use as my "cash". I will just pay in what I usually spend in a month on contactless, etc. and use that. That way my main account stays relatively simple and also reduces that which can be taken from me should my card get lost/stolen as there won't be any credit/overdraft.
So, the question is, are there any accounts that give rewards or make that type of thing more simple? I know I could just open any debit account anywhere but I don't mind where this is and if I can benefit from it, great.

Thanks
Alan

MDMD

TSB classic plus gives interest and cashback of up to £5 per month until December. I use mine for those small spends.

https://www.tsb.co.uk/current-accounts/classic-plus-account/

18cc

If you have/use a smartphone then can't recommend Starling Bank highly enough...

AlanB1976

Thanks for the replies.
I've got a joint account with my wife with TSB already. Shouldn't be any issues me opening a personal account as well.
I wish I could use a smartphone. I've rooted my phone so android pay won't work due to security risk. Ironically, I rooted so I could add additional security.

Nebulous2

I very rarely have casual spends. I also have a few accounts. My Tesco account gives interest on up to £3000. I keep an extra £50 in there and use it for the odd coffee and cookie.

datlex

OP Coop do cashback https://www.co-operativebank.co.uk/currentaccounts/currentaccount (expand the everyday rewards section) You have to pay in £800 a month. So you may have to pay the difference between your monthly spends and the £800 each month to meet the cashback criteria.

Also there is Barclays: https://www.barclays.co.uk/current-accounts/blue-rewards/

AlanB1976

I wouldn't have close to that. Probably a couple hundred.

AlanB1976

Thanks for the suggestions

socks_uk

I have a Tesco account for the exact same purpose. Very easy to transfer money to it from my Nationwide account and I can put cash in at my local Tesco Extra customer services desk (up to 8pm).
Clubcard points when I spend on it too!

MDMD

MDMD wrote: »

TSB classic plus gives interest and cashback of up to £5 per month until December. I use mine for those small spends.

https://www.tsb.co.uk/current-accounts/classic-plus-account/

Rowing back on this a little now given their recent problems getting into the account. Maybe wait until they have finished sorting problems if you are going to open a TSB account!

Neil49

AlanB1976 wrote: »

Thanks for the replies.
I've got a joint account with my wife with TSB already. Shouldn't be any issues me opening a personal account as well.
I wish I could use a smartphone. I've rooted my phone so android pay won't work due to security risk. Ironically, I rooted so I could add additional security.

Monzo works on rooted phones (but not Android Pay so you would have to use their contact less card as usual).

I use Monzo for exactly the reason you want to. The app lists each transaction and also attempts to organise your spending into catagories. Transactions appear on your phone in about a second.